The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,303
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$389/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,687
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$372/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,854/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$467/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$544/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$522/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$700/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$671/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,368/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,402 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).